作业代写：The development of Internet finance

2018-07-10 来源: 51due教员组 类别: Essay范文

下面为大家整理一篇优秀的essay代写范文- The
development of Internet finance，供大家参考学习，这篇论文讨论了互联网金融的发展。如今，互联网技术的飞速发展也带动着互联网金融技术的发展，金融行业掀起了互联网金融时代的全新模式，渗入到我们生活的各个方面，而互联网金融系统有着高效、便捷、精确等特点，整个金融系统都处于比较快的运行状态，但互联网金融的发展还存在一些技术和监管问题。

Although
Internet finance is an emerging financial model, it has dropped a heavy bomb in
the financial industry. In general, Internet finance can be divided into the
extension of traditional financial services, Internet intermediary services of
finance and Internet financial services from the perspective of services. The
current situation of its development is very rapid, and it also has its own
characteristics and potentials. The pace of renewal and progress is very fast,
and it has very distinctive characteristics.

The
users of China's Internet finance are mainly small and medium-sized investment
retail investors, but small and medium-sized retail investors are difficult to
obtain financial products with high capital requirements. On the other hand, as
the third-party payment platform have mushroomed derivatives, Banks in order to
reduce its risks, only on the Internet to try to improve the direction of the
financial sector, promoting the increase of the customer.

Many
financial institutions through its own strengths, occupation and secure
e-commerce market, while banking through the establishment of large-scale
e-commerce platform for business bank itself and understand customer needs and
information has important significance. And through this comprehensive
construction and accumulation, in the market quickly occupy an important
position. While those same to small and medium-sized Banks in the development
of this aspect of the business, in order to compete large financial platform,
only even more attention to develop and perfect all kinds of Internet financial
products, to meet customer demand.

Internet
finance brings not only rich products, but also lower transaction costs. Online
trading saves a lot of time. Intelligent trading mode at the same time, will
save a lot of labor costs, require less human services, and more efficient
services to alternative, not only improves the quality and efficiency of
service and work, and also reduce the transaction cost.

Although
kotler defined niche market as a "small but they were not good market
management and services", but for the Internet financial, will not be
because of the size of the customer to ignore the needs of customers, more not
because should be limited by the 80/20 rule of pareto puts it. Thus, it is
easier to gain a higher reputation, which can eat up 20% of the customers and
have 80% of the financial demand and high reputation. The Internet financial
such as mentioned above not only can reduce cost, at the same time also can
give a huge customer base with better experience, more support and huge
customer group many derived business, and the characteristics of the project
need, namely large enterprises and platform is difficult to have flexibility.

Faster
and faster Internet financial technology development in our country, the
financial sector sparked a new era of the Internet financial mode, penetrated
into every aspect of our life, and the Internet financial system reflects the
characteristics of efficient, convenient, accurate, and so on, the operating
state of the financial system is faster, at the same time, the development of
the Internet financial has some problems, such as backward technology level,
regulatory supervision is not enough, the author through the following aspects
were analyzed.

At
present, most financial services are operated through the Internet, including
online banking, third-party payment, and online financial transactions. The
popularization of finance in the whole society at the same time, the technical
level of leak exposed by customer's privacy security hidden danger in continue
to rise, and the entire Internet financial system lack of unified standards in
the application of the safety technology. The development and utilization
process of the financial system platform is too hasty, and there is not enough
test time. The imperfect system often leads to the security problem of customer
privacy leakage. Therefore, it is necessary to standardize and standardize the
technology, and formulate unified safety standards for network finance.

In
the 21st century, talent remains is the precious workforce, as the Internet
financial business continues to develop, already in various businesses from
artificial service rapidly to the electronic service transformation stage, the
need for more technical personnel to guide with the customers, in the network
financial business, more need to have a combination of the knowledge of the
Internet with the financial talented person. Some problems of network system involve
not only the financial field, but also the Internet operation.

At
present, it is imperative for the staff of China's traditional financial circle
to improve the Internet operation level comprehensively. To solve this problem
first to do the following: first, to further implement the financial
institutions personnel's continuing education training, building a adapt to the
development of the Internet age, has the high quality Internet financial team
is imperative, in addition, to increase the scientific research strength is
also nots allow to ignore, to introduce technology compound talents; Secondly,
the dissemination of Internet financial knowledge should be strengthened. The
future of the development of the Internet financial knowledge is still the basic
productivity, so the financial institutions should be established according to
the needs of the development of financial network knowledge reserve, and
constantly updated, in order to keep up with the rapid development of the whole
finance.

The
repeated disclosure of information by financial institutions indicates to a
large extent that this is no longer a problem that can be ignored, but a
problem that requires attention from all sides. When financial institutions has
plenty of Internet users, Internet or institutions throughout the capital scale
has reached a certain level, once appear problem, even if the market clearing
also can't go to solve the problem of this scale. , on the other hand, our
country's financial system is still in the rapid development of Internet
expansion phase, the network financial tools the good and bad are intermingled,
market supervision system is not yet mature, regulation also can't keep up
with, the development of the Internet financial is still under the situation of
social phenomena, under this situation, it is particularly important to
strengthen the supervision of Internet financial. Internet financial
supervision is divided into two aspects, one is financial institutions; The
other is the Internet financial system. First, financial institutions should
strengthen self-discipline, and strictly abide by the laws and regulations,
adhere to the professional ethics, adherence to the customer's personal
information, secondly, the financial system is not regular maintenance and
troubleshooting, find security vulnerabilities in time, ensure that the
technical level is not appear problem, we will strengthen the protection of
customer privacy safety. And, of course, the government should also take
appropriate measures, to the general public science popularization about
network security includes all kinds of knowledge, such as confidential security
help financial all Internet users set up the concept of risk and safety
awareness.

At
present, driven by Internet finance, more and more online businesses have been
developed, among which technology is relatively mature, such as online bank
payment, online financing and so on. For example, the online banking service,
to a large extent, alleviates the pressure on the bank counter. As Internet
finance breaks the geographical limitation, more and more customers choose to
trade online. For balance Po business have more transparency, participation
among collaborative better, higher, lower cost, more convenient in operation
and a series of characteristics, attracted many customers, on the other hand,
the wide use of smart phones and the Internet technology, Internet financial
situation will become more complicated. Faced with such a large customer base,
various institutions and platforms are constantly developing more Internet
financial products to gain a place in this promising industry. Therefore, the
customer spending habits and patterns have changed greatly, the Internet
growing, financial target customer base of the current Internet financial formed
multiple platforms, multiple market situation of tripartite confrontation.

Internet
financial enterprise, after all, the junior in the process of its development
should pay special attention to the traditional financial sector development
met the market risk, operational risk and legal risk and other risk control
problem, the relevant regulatory department should also keep up with the pace,
perfect the supervision laws and regulations, make the Internet financial can
more healthy development, benefit more people. Financial the rapid rise of the
Internet is the trend of social development, is in line with the direction of
the construction of a new round of economic, of course, the Internet financial
is still a relatively young industry, we need to uphold the consistent highly
cautious and rational analysis, in the steady development of the Internet
financial at the same time, will also be able to expand innovation, continuous
improvement, in the field of Internet financial walk at the forefront of the world
of finance. Perhaps for a long time, the Internet finance was not enough to
shake the status of the traditional banking, but the applied in network
channels to expand, big data and virtual credit platform as the main
characteristics of the financial transaction mode is conform to the trend of
the era of the rapid development, and trying to reform the traditional
financial intermediaries and the currency system of virtual credit platform,
and reconstruct the new generation of financial ecosystem, these have
undoubtedly in traditional subversion and reshaping the financial system. There
are many opportunities for Internet banking, also with many challenges and
competition, but as long as in the right direction to develop, so our country
Internet financial will eventually have a brilliant tomorrow.